unclassified unclassified 1 government travel charge card (gtcc)

UNCLASSIFIEDUNCLASSIFIED

UNCLASSIFIEDUNCLASSIFIED 1

GOVERNMENT TRAVEL CHARGE CARD (GTCC)



MARFORRES - HL 3Mrs Porche, Mr Poullard

MSC HQ – HL 44th MAW

Mr Rankins4th MarDiv

Mr Guerra 4th MLG

Mr Holmes FHG

Mr Hatchell

POINTS OF CONTACT



DoDFMR Vol 9 Chap 3

OPNAVINST 4650.16

MCO 4600.40B

ForO 7000.1 (revised order pending signature)

Force Policy Letter 10-12 of 23Apr12

References


DoD Financial Management Regulation

Travel & Transportation Reform Act of 1998 (TTRA) Public Law 105-264 mandates the use of the GTCC for official travel

Military Personnel can be prosecuted under Art 92 of UCMJ

Requires refresher training

Requires the maintaining of the SOU


MARADMIN 691-13 Effective 1 Feb 2014 ALL must apply for a GTCC Previously declined

Resubmit

TraX Training Certificate Required Programs & Policies - Travel Card Program (Travel Card 101)

Statement of Understanding (SOU) Required

Who must have a GTCC



TYPES OF ACCOUNTS

Standard (Credit Score = 660 or higher) Credit Limit = $7,500 APC Maximum increase = $10,000 Maximum increase w/ HL3 = $15,000

Restricted (Credit Score = 659 - 500) Credit Limit = $7,500 APC Maximum increase = $10,000Maximum increase w/ HL3 = $15,000


CREDIT LIMITS

STANDARD&

RESRICTED

APCApprovalMaximum

HL3ApprovalMaximum

CPMApprovalMaximum

DTMOApprovalMaximum

Credit $7,500 $10,000 $15,000 $25,000 No Maximum

Travel $7,500 $10,000 $15,000 $25,000 No Maximum

Cash $665 $5,000 $10,000 $25,000 NoMaximum

Retail $250 $500 $1,000 $2,000 NoMaximum



NEW CHIP & PIN CARDS

Executive Order" Improving the Security of Consumer Financial Transactions“ requires federal agencies to upgrade payment cards and systems to employ enhanced security features, to include Chip and PIN technology.

Jan 2015, Citi began replacing magnetic stripe GTCCs with EMV Chip and PIN cards




Cards contain a microprocessor that requires cardholder authentication, via a 4-digit PIN at the point-of-sale

Upon receipt of the new card Sign the back of the new card Confirm receipt by calling the toll-free number on the

activation sticker (not the number on the back of card) or go online to the URL on the activation sticker

Select a PIN by following the prompts in the Voice Response Unit

Update your DTS profiles with the card’s new expiration date




FIRST TIME USE

Go to a Point-of-Sale (POS) terminal staffed by a person (not self-service)

Insert the card chip first, into the card-reading terminal until transaction is complete

Confirm the amount and sign receipt Until the card is used at a staffed terminal, the

new PIN will not be recognized at chip-enabled self-service terminals




New cards still have a magnetic stripe, for use at merchants without this technology

Technology is the next generation of payment card technology Merchants in CONUS are expected to begin

using technology in 2015 – 2016

New cards are quasi-generic grey plastic and contain a chip (will look different)



GTCC & ACTIVATION/DEPLOYMENT

Current APC makes liaison with GFC APC

Leave GTCC activated NTE 30-days after arriving ILOC

MONITOR the transfer of the GTCC to the GFC

E-mail request to GFC APC to request the GTCC be pulled over (Ref MCO 4600.40B)

Contact HL4 then HL3 for assistance

ACTIVATED/DEPLOYED MARINES WILL NOT REMAIN UNDER MARFORRES FOR GTCC MANAGEMENT


METHODS OF PAYMENT

Split Disbursement

On line payments with Citi Bank

On line banking with personal Bank

Pay by Phone (NO CHARGE)

US Mail

Western union/Wire Transfer


SELF REGISTRATION

Citi Bank GTCC cardholders are eligibleView statements on –lineMake payments on-lineRequest credit balance refunds on-line

https://home.cards.citidirect.com/commercialcard/cards. html

Under “First Time Users” section Select "Self Registration for Card Holders HAVE YOUR STATEMENT IN HAND


USING THE GTCC

MUST confirm receipt with Citi Bank

Payment of Commercial Travel while TAD

Payment of Lodging

Payment of Rental Vehicle & Fuel

Payment of mealsThe GTCC is accepted world-wide

Airport parking

**ATM withdrawal fees are no longer reimbursable

UNCLASSIFIEDUNCLASSIFIEDCARDHOLDERRESPONSIBILTIES

Pay the Bill

Monitor charges

Dispute charges if necessary Complete the affidavit

Monitor Airline Credits for cancelled flights

Notify APC of planned TAD to ensure card activation


MISUSE & ABUSE

Misuse

Usage outside authorized parameters or using the GTCC while not on official travel

Purchasing meals for others while TAD Excess ATM withdrawals Excess charges outside per diem authorization Purchasing ANYTHING when not in a TAD

Status


MISUSE & ABUSE

Abuse

Failure to keep the GTCC account current

Not authorize to carry a balance Failure to pay bill in FULL

The GTCC is a CHARGE Card – not a CREDIT Card



Delinquency

Account becomes “delinquent” 61-days from the billing statement date following the charges

Usually approx 90-days from date charges made

30-Days “due” are not “delinquent”Best means of fighting delinquencyWORK your 30-day due accounts for BEST Results

What is Delinquent?



What SHOULD Happen & When

7th of Each MonthPull & work the 5 required reports

NOTIFY the 30-day due accountsTrack payments & notify again prior to day-45Track payments & notify AGAIN prior to day-50Track payments & NOTIFY AGAIN prior to day-59



5 REQUIRED REPORTS

Cardholder Account ListingReview for accuracy

Ensure accurate mailing addressWork “Card Receipt Not Verified” & “Returned Mail”ENSURE each Cardholder belongs to YOUNotify MFR HL3 for assistance in HL Trans issues

Account Activity ReportReview for possible misuse



6 REQUIRED REPORTS

Delinquency Report WORK the report ENSURE $20 expedite fees are tracked

IBA Aging Analysis Summary Review the report for summary of meeting matrix for delinquent accounts

IBA Aging Analysis Same info for commands below the HL5



MANAGING DELINQUENCY

Work the Delinquent AccountsInitiate & deliver 60-day letters

Pg 11 “6105” Counseling Counseling of “Suspension” of use Rec/Non-Rec for Promotions

Initiate & deliver 90-day lettersDisciplinary Action?

Initiate & deliver 120-day lettersSalary Off-SetResponsibility to continue monthly payments

Initiate & deliver 150, 180 & 210-day letters



MISSION CRITICAL

Under Orders and performing duties when the member is NOT capable of submitting a Claim

NOT used to simply avoid delinquency

Mission Critical accounts will not be suspended or cancelled

Mission Critical WILL accrue late fees



DID YOU KNOW?

Commander is REQUIERD to view 25% of the monthly activity EACH month

Must maintain the Required reports for 2-years

Required to conduct YEARLY refresher training



DID YOU KNOW?

Expedite fee CAN be reimbursed for Operational Requirements…must be authorize in orders

Late Fees CAN be reimbursed if due to no fault of the traveler…requires orders modification

You are REQUIRED to activate/deactivate for EACH period of TAD



DID YOU KNOW?

GTCC must be part of the check-in/out process

Violation of GTCC practices is chargeable under Article 92 of the UCMJ

Personnel that REFUSE a card are NOT authorized an advance



6 Apr – Bill is issued stating that the account is “due”

EXPLAIN DELINQUENCIES???

6 May – Second bill is issued stating that the account is now “30-Days Due”.

6 June– Third bill issued. Account is now 61-days past due & the member is considered DELINQUENT

Member executes TAD from 10 - 23 MarchBy regulation, the member has 5 working days to complete & submit a Travel claimEVEN if the Travel Claim is submitted late – there is no excuse for DelinquenciesTRAVELERS are responsible for tracking the settlement of their claim

Member executes TAD from 10 - 23 March



30-DAY REMINDER E-MAIL

Subject: 30-DAY PAST DUE CITI BANK GTCC

In an effort to be proactive vice reactive, I monitor all GTCC accounts and payment status. By receiving this e-mail, I am notifying you that according to records with Citi Bank, your Government Travel Charge Card is considered to be 30 days past due.

AS OF 7 MARCH 2014AMOUNT 30-DAYS PAST DUE: $XX.XXCURRENT BALANCE: $XXX.XX

You are not yet considered to be "delinquent". In order to avoid your account becoming "delinquent", payment for your 30-day past due balance must be received, processed and posted to your GTCC account by Citi Bank no later than 6 APRIL 2015. If the past due balance is not paid in full by this date, your GTCC use privileges will be suspended by Citi Bank and you may become subject to disciplinary actions.

Delinquent accounts suspended Citi Bank remain suspended until all past due monies are received by Citi Bank.

ALL CITI BANK CARDHOLDERS ARE ELIGIBLE FOR ACCESS TO THEIR GTCC ACCOUNTS ON-LINE. Having an on line account with Citi Bank allows you access to view your statement(s) and make payments on-line. Visit the below website and select "SELF REGISTRATION FOR CARD HOLDERS“ under the FIRST TIME USERS section. Follow the directions -https://home.cards.citidirect.com/CommercialCard/Cards.html

If you have already paid this past due balance, please advise and disregard this e-mail. Please let me know if you need any assistance.


Day 0 – Billing Cycle begins on 7th of Month of the Charges – 1 trip may cross 2 cycles

CYCLE OF DELINQUENCY

Day 30 – Account becomes “30-Days Due”. Member notified of status being “DUE”

Day 45 – Notified of account status being “DUE”

Day 55 – Notified again of “DUE” status. Supervisor is CCd in the notification.

Day 61 – Account becomes “Delinquent” Officially notified. Account is

SUSPENDED . Subject to Disciplinary Actions

Day 90 – “Salary Off-Set” process begins

Day 120 – “Salary Off-Set” begins – up to 15% of disposable income ($167 in fines). Account is CANCELLED

Day 180 – Late Fees accrue. Member receives pre charge-off letter

Day 210 – Account is written off. Member is reported to Credit Bureaus. Collection Agency seeks payment. 1099 ISSUED TO IRS reporting balance as income

Member accrues Charges on GTCCAccount

Day 75 – $29 Late Fees are applied


Force Policy Letter 10-12

GTCC Delinquency will not be tolerated

Officials will ensure claims properly split disburse to cover GTCC balance

Requires weekly personal contact Officers contacted by CO/XO Enlisted contacted by SgtMaj/1stSgt

Delinquent cardholders WILL BE HELD ACCOUNTABLE



ACCOUNTABILITY

61-Days delinquent Military may receive Pg 11 entry Civilian may receive ltr of counseling Requires the assignment of an Investigating

Officer to conduct Preliminary Investigation

90-Days delinquent Results of the PI are provided to CMFR

Officials failing to ensure split disbursement WILL BE held accountable May receive Pg 11 entry or Ltr of counseling



PROHIBITIONS for delinquent accounts

Prohibited from performing any voluntary duty Active Duty

No Permissive TAD Reserve

ADOS ATP, RMP, AFTP

Requires screening of delinquency list prior to approval of PTAD or MROWS authentication of orders



•Reserve Component members CANNOT be placed in Salary Off-Set

•Must have an active pay account

•Salary Off-Set ran by DFAS – it will fail

•Liquidation of Debt is then ran by DFAS for balance due

RESERVE SALARY OFF-SET



•Liquidation sets payment based upon rank for EACH drill

•Late Fees continue to accrue

•Account remains on your delinquency

• It could take YEARS to repay a debt

RESERVE SALARY OFF-SET



Accounts having aged to 210+ days past due may be removed from your HL

Has the Cardholder been discharged? Provide the below info to your HL4

Name: Discharge Date: Reason/Sep Code: EDIPI: GTCC Account # (LAST 10): Balance & Severity of delinquency:

Accounts with “no opportunity for payment” may be placed into Charge-Off

Requires HL3 interaction with DFAS

REMOVAL OF 210+ ACCOUNTS

unclassified unclassified 1 government travel charge card (gtcc)

Documents